Market Price

66.12 

-0.25 -0.4%

as of Jan 22 '19

52 Week Range:

54.36 81.93


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Discover Financial Services, through its subsidiaries, operates as a direct banking and payment services company in the United States. The Direct Banking segment offers Discover-branded credit cards to individuals; and other consumer products and services, including private student loans, personal loans, home equity loans, and other consumer lending, as well as deposit products, such as certificates of deposit, money market accounts, savings accounts, checking accounts, and individual retirement arrangement certificates of deposit. The Payment Services segment operates the Discover Network, which processes transactions for Discover-branded credit cards, and provides payment transaction processing and settlement services; and PULSE network, an electronic funds transfer network that provides financial institutions issuing debit cards on the PULSE network with access to automated teller machines and point-of-sale terminals. This segment also operates Diners Club International, a payments network that issues Diners Club branded charge cards and provides card acceptance services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Nov '07 Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 11.73
12.33
13.40
11.85
15.59
19.82
21.26
23.91
25.48
27.75
29.69
growth rate 5.1% 8.7% -11.6% 31.6% 27.1% 7.3% 12.5% 6.6% 8.9% 7.0%
Earnings BIT 945.20
1,520.00
2,120.00
1,270.00
3,510.00
274.00
3,940.00
4,214.00
4,252.00
4,367.00
4,339.00
growth rate 60.8% 39.5% -40.1% 176.4% -92.2% 1,338.0% 7.0% 0.9% 2.7% -0.6%
Avg.PE 14.12
4.65
6.47
14.99
5.87
103.90
11.29
12.44
9.19
12.34
14.69
growth rate -67.1% 39.1% 131.7% -60.8% 1,670.0% -89.1% 10.2% -26.1% 34.3% 19.0%
ROA 1.77
2.40
2.85
1.25
3.40
3.22
3.04
2.79
2.64
2.61
2.11
growth rate 35.6% 18.8% -56.1% 172.0% -5.3% -5.6% -8.2% -5.4% -1.1% -19.2%
ROE 10.35
16.11
18.54
9.73
29.96
26.55
23.55
21.80
21.10
21.78
19.26
growth rate 55.7% 15.1% -47.5% 207.9% -11.4% -11.3% -7.4% -3.2% 3.2% -11.6%
ROIC 11.63
17.97
22.13
9.58
12.38
11.29
10.15
9.31
growth rate 54.5% 23.2% -56.7% 29.2% -8.8% -10.1% -8.3%
Leverage 6.67
6.74
6.32
9.41
8.35
8.16
7.74
7.86
8.11
8.58
9.69
growth rate 1.1% -6.2% 48.9% -11.3% -2.3% -5.2% 1.6% 3.2% 5.8% 12.9%
Balance Sheet Nov '07 Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 68,719.00
71,176.00
75,811.00
82,445.00
growth rate 3.6% 6.5% 8.8%
Acct.Payable 2,960.00
3,337.00
2,958.00
46,089.00
47,531.00
51,992.00
58,764.00
growth rate 12.7% -11.4% 1,458.1% 3.1% 9.4% 13.0%
Cur.Assets 76,274.00
80,869.00
87,827.00
95,838.00
growth rate 6.0% 8.6% 9.1%
Total Assets 39,892.40
46,021.00
60,785.00
69,117.00
73,491.00
79,340.00
83,126.00
86,799.00
92,308.00
100,087.00
growth rate 15.4% 32.1% 13.7% 6.3% 8.0% 4.8% 4.4% 6.4% 8.4%
Cash 10,171.10
13,020.70
5,098.70
9,056.00
10,147.00
11,545.00
7,284.00
9,572.00
11,914.00
13,306.00
growth rate 28.0% -60.8% 77.6% 12.1% 13.8% -36.9% 31.4% 24.5% 11.7%
Cur.Liabilities 49,280.00
50,724.00
55,377.00
67,962.00
growth rate 2.9% 9.2% 22.7%
Liabilities 33,976.60
37,585.40
54,328.10
60,875.00
63,618.00
68,531.00
71,992.00
75,524.00
80,985.00
89,195.00
growth rate 10.6% 44.6% 12.1% 4.5% 7.7% 5.1% 4.9% 7.2% 10.1%
LT Debt 2,130.00
2,008.00
2,009.00
2,010.00
2,011.00
17,666.00
2,013.00
22,543.00
24,650.00
25,443.00
21,054.00
growth rate -5.7% 0.1% 0.1% 0.1% 778.5% -88.6% 1,019.9% 9.4% 3.2% -17.3%
Equity 5,599.42
5,915.80
8,435.50
6,456.80
8,242.00
9,873.00
10,809.00
10,574.00
10,715.00
10,763.00
10,329.00
growth rate 5.7% 42.6% -23.5% 27.7% 19.8% 9.5% -2.2% 1.3% 0.5% -4.0%
Common Shares 479.00
483.00
508.00
549.00
543.00
520.00
487.00
463.00
438.00
406.00
374.00
growth rate 0.8% 5.2% 8.1% -1.1% -4.2% -6.4% -4.9% -5.4% -7.3% -7.9%
Cash Flow Statement Nov '07 Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 118.27
93.50
52.50
55.00
111.00
0.00
231.00
145.00
167.00
179.00
218.00
growth rate -20.9% -43.9% 4.8% 101.8% -100.0% -37.2% 15.2% 7.2% 21.8%
Cash Dividends 879.15
117.00
101.00
845.00
110.00
5.00
399.00
467.00
515.00
514.00
527.00
growth rate -86.7% -13.7% 736.6% -87.0% -95.5% 7,880.0% 17.0% 10.3% -0.2% 2.5%
Cash From OA 2,038.03
4,504.20
3,597.90
4,218.00
3,598.00
222.00
3,517.00
3,826.00
3,854.00
4,425.00
5,208.00
growth rate 121.0% -20.1% 17.2% -14.7% -93.8% 1,484.2% 8.8% 0.7% 14.8% 17.7%
FCF per Share 6.13
7.79
8.23
9.63
12.19
growth rate 27.1% 5.7% 17.0% 26.6%
Sale Purchase of Stock -413.00
-630.00
-1,283.00
5.00
5.00
7.00
5.00
growth rate 0.0% 0.0% 100.0% 0.0% 40.0% -28.6%
FCF 1,920.00
4,411.00
3,544.00
3,818.00
3,498.00
2,897.00
3,286.00
3,681.00
3,686.00
4,246.00
4,990.00
growth rate 129.7% -19.7% 7.7% -8.4% -17.2% 13.4% 12.0% 0.1% 15.2% 17.5%
Income Statement Nov '07 Nov '08 Nov '09 Nov '10 Nov '11 Nov '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 4,740.00
5,669.00
6,734.40
6,658.00
8,550.00
692.00
9,370.00
7,034.00
7,227.00
7,240.00
7,318.00
growth rate 19.6% 18.8% -1.1% 28.4% -91.9% 1,254.1% -24.9% 2.7% 0.2% 1.1%
Op.Income 1,657.60
2,120.90
1,269.00
2,227.00
2,345.00
2,470.00
3,807.00
3,724.00
3,754.00
3,626.00
growth rate 28.0% -40.2% 75.5% 5.3% 5.3% 54.1% -2.2% 0.8% -3.4%
IBT 1,657.61
2,120.90
1,268.86
3,511.00
274.00
3,944.00
3,694.00
3,612.00
3,656.00
3,537.00
growth rate 28.0% -40.2% 176.7% -92.2% 1,339.4% -6.3% -2.2% 1.2% -3.3%
Net Income 927.80
1,276.20
765.00
2,227.00
170.00
2,470.00
2,323.00
2,297.00
2,393.00
2,099.00
growth rate 37.6% -40.1% 191.1% -92.4% 1,352.9% -6.0% -1.1% 4.2% -12.3%
EPS 1.23
1.92
2.38
1.22
4.06
4.46
4.96
4.90
5.13
5.77
5.42
growth rate 56.1% 24.0% -48.7% 232.8% 9.9% 11.2% -1.2% 4.7% 12.5% -6.1%
Gross Profit 6,688.00
6,878.00
6,901.00
7,003.00
growth rate 2.8% 0.3% 1.5%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 1,111.00
1,097.00
1,063.00
growth rate -1.3% -3.1%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 78,709.00
82,445.00
80,838.00
82,806.00
84,874.00
growth rate 4.8% -2.0% 2.4% 2.5%
Acct.Payable 56,135.00
58,764.00
61,130.00
61,683.00
63,674.00
growth rate 4.7% 4.0% 0.9% 3.2%
Cur.Assets 93,240.00
95,838.00
97,946.00
98,736.00
101,500.00
growth rate 2.8% 2.2% 0.8% 2.8%
Total Assets 97,608.00
100,087.00
101,967.00
102,751.00
105,842.00
growth rate 2.5% 1.9% 0.8% 3.0%
Cash 13,249.00
13,306.00
17,011.00
15,289.00
16,019.00
growth rate 0.4% 27.8% -10.1% 4.8%
Inventory
growth rate
Cur.Liabilities 60,885.00
67,962.00
68,122.00
68,383.00
69,377.00
growth rate 11.6% 0.2% 0.4% 1.5%
Liabilities 86,421.00
89,195.00
91,096.00
91,862.00
94,826.00
growth rate 3.2% 2.1% 0.8% 3.2%
LT Debt 25,536.00
21,054.00
22,974.00
23,479.00
25,449.00
growth rate -17.6% 9.1% 2.2% 8.4%
Equity 10,627.00
10,329.00
10,308.00
10,326.00
10,453.00
growth rate -2.8% -0.2% 0.2% 1.2%
Common Shares 6.00
6.00
6.00
6.00
6.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 58.00
57.00
58.00
60.00
59.00
growth rate -1.7% 1.8% 3.5% -1.7%
Cash Dividends 139.00
137.00
142.00
122.00
growth rate -1.4% 3.7% -14.1%
Cash From OA 1,552.00
1,624.00
1,238.00
1,586.00
1,606.00
growth rate 4.6% -23.8% 28.1% 1.3%
Sale Purchase of Stock 2.00
1.00
2.00
1.00
growth rate -50.0% 100.0% -50.0%
FCF 1,494.00
1,567.00
1,180.00
1,526.00
1,547.00
growth rate 4.9% -24.7% 29.3% 1.4%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 1,851.00
1,935.00
1,824.00
1,861.00
1,982.00
growth rate 4.5% -5.7% 2.0% 6.5%
Op.Income 903.00
988.00
856.00
877.00
967.00
growth rate 9.4% -13.4% 2.5% 10.3%
IBT 903.00
899.00
856.00
877.00
967.00
growth rate -0.4% -4.8% 2.5% 10.3%
Net Income 602.00
387.00
666.00
669.00
720.00
growth rate -35.7% 72.1% 0.5% 7.6%
EPS
growth rate
Gross Profit 1,773.00
1,855.00
1,742.00
1,775.00
1,893.00
growth rate 4.6% -6.1% 1.9% 6.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (47.36)

YOY Growth Grade:

D (42.25)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.87 9.83 7.66
EPS / Growth 4.1% 6.73 9.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.9% 3.0% 3.0%
Future PE 3.84 7.86 7.86
Future EPS 8.13 9.06 9.06
Value Price
MOS %
7.72
-88.3%
17.59
-73.4%
17.59
-73.4%
MOS Price 3.86 8.80 8.80
IRT 8.93 8.51 8.51

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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